California law does not require boaters to insure their boats. Despite California’s policy on boater’s insurance, it is wise to get coverage to minimize risks to your personal assets. Boating insurance is like car or home insurance; it covers

Federal Chip Reader Class Action Lawsuit

According to CNN, a California federal judge declined to dismiss a federal class action lawsuit against American Express, Discover, Mastercard, and Visa. The plaintiffs in the suit, four grocery stores in California, Florida, and New York, allege that the major credit card companies forced countless small businesses to adopt chip-readers for credit cards at their checkout counters. Many businesses would have preferred not to upgrade to these chip-readers due to the expense as well as the fact that many consumers find them confusing. According to the plaintiffs, the major credit card companies conspired amongst themselves, trade groups, banks, and select retailers to design terms that penalize businesses who don’t use these chip-readers – Stores that don’t install chip readers are held responsible whenever someone swipes a stolen credit card.

Banks previously shouldered this burden, and the lawsuit alleges that these harsh terms result from collusion among the major credit card companies. The plaintiffs assert that, but for this collusion, any individual credit card company could have offered the plaintiffs better terms relating to use of their services. Thus, they claim, such collusion is an unfair trade practice that disrupts free market competition.

As evidence of the collusion, the plaintiff grocery store owners point toward the fact that Visa’s CEO admitted to analysts in 2014 that Visa met with fellow credit card companies, trade groups, banks, and retailers to “come up with a plan” relating to introduction of these chip-readers. This fact surprised U.S. District Judge William Alsup, who has a history of trying antitrust cases as a lawyer – he claims that it is rare for a CEO to admit something so incriminating in a suit of this nature.

Should the class of small businesses in this case be certified, lawyers on the case estimate that up to 8 million small businesses across the United States might participate in the suit. They further estimate that damages could reach as much as $6 billion, the collective cost of upgrading to the chip system.

The federal Sherman Act makes illegal any “contract…or conspiracy in restraint of trade or commerce”. If you or someone you know has knowledge of a corporation or other entity acting in ways that disrupt free trade, resulting in financial harm to businesses or individuals, please contact our office.

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